Sometimes I think we belittle people in New Zealand who are going through very real challenges - we hear criticisms that people on low incomes or on benefits are not living in true poverty simply because there are people worse off in the world, and unfortunately there are plenty of those. Check out your place in the world via www.globalrichlist.com
In Syria the UN is predicting that three million people will be displaced by the current conflict by the end of 2013 - overflowing into neighbouring countries as refugees - losing everything you can't carry and fearing for your life is a bit more stressful than shifting, even with new lending rules.
In New Zealand the campaign to double our refugee quota has some embarrassing facts - our quota has not changed since 1987. We are not doing our bit to help those in desperate need. We may be critical of Australia's knee-jerk boat-people policies, but overall they are taking more refugees per capita than we are. Check out www.doingourbit.co.nz for more info.
Back in NZ I get irritated when those NZ critics talk of people wasting their low incomes and not budgeting properly, because I'm sure many of them have forgotten what it's like to survive on a truly tight income - if they have ever experienced it at all. While I'm not enjoying chasing paperwork, organising valuations and insurance, plus getting our car fixed, I know that I can still afford to feed my children and pay the power bill, even with these unexpected costs.
Unfortunately there are some among us who will not be looking forward to Christmas because of the extra costs.
Instead of being harsh on those who are struggling, we can do a bit to help, like donating canned food at this week's food bank drive or creating a shoebox Christmas parcel of treasures for a child or simply shopping locally. Don't waste your petrol driving to Palmerston North - instead invest locally to support our community.
And to finish with something from an inspirational young leader, Malala Yousafzai, the girl shot in the head by the Taleban on a school bus in Pakistan. After missing out on this year's Nobel Peace Prize, she wrote on Twitter this month, "Winning Nobel prize was not aim of my life. I want that every girl in world must be educated & spread peace in whole world."
Yep, a bit of perspective always helps.
Nicola Young is a former Department of Conservation manager who now works for global consultancy AECOM. Educated at Wanganui Girls' College, she has a science degree and is the mother of two boys.